Scope
These Terms govern Savio’s accounting, budget, savings goal and related features. Use must comply with these Terms and applicable law. Third-party AI sharing requires separate explicit permission; accepting these Terms does not enable it.
Eligibility and license
You must be at least 13 or meet the age required by local law. We grant a personal, non-exclusive, non-transferable license to use the App. Except as permitted by law, do not copy, modify, reverse engineer or resell it. Do not disrupt services, access unauthorized systems or submit unlawful content.
Your data
You retain rights in the accounting, budget and goal data you enter. We process it under the Privacy Policy and your selected features to provide services, support and fulfill legal obligations. Verify your entries and back up regularly. Backup, restore and export do not guarantee automatic recovery of unbacked-up data after device loss or App removal.
Free features, seven-day experience and Pro
The seven-day App experience follows the eligibility/start/end records shown in the App. It does not itself create a paid subscription or charge automatically at expiry. If you separately accept an App Store subscription trial or offer, the purchase confirmation governs its conditions.
After the App experience expires without a subscription, manual entry remains available. Cloud AI, savings goals, detailed reports and other Pro features may be restricted. Trial/subscription expiry itself does not delete saved books or goals. A restored valid subscription restores the corresponding feature access.
Pro offers monthly and annual subscriptions. Price, currency, billing period and offers are determined by the App Store purchase confirmation. Apple processes payments. Subscriptions renew under store conditions unless cancelled in time under App Store rules. Manage/cancel through your Apple account’s subscriptions; cancellation normally does not immediately end paid-period access. Refunds follow Apple’s rules and statutory consumer rights.
After reinstallation or a device change, Restore Purchases re-verifies entitlements. It does not restore books; local data needs an available backup or supported transfer method. Deleting the App or withdrawing AI consent does not cancel a subscription.
AI quotas
Pro currently includes 100 AI voice-text parsing requests per month and 5 financial chat requests per day. During the seven-day App experience each feature includes 1 request per day. A voice parsing request may produce multiple draft records but counts as one parsing request. Server verification governs quotas; unused allowances do not roll over.
Quotas reset by Coordinated Universal Time (UTC), not the subscription billing cycle: daily at 00:00 UTC, and monthly at 00:00 UTC on the first day of each month. The corresponding local time depends on your time zone and daylight saving time. Local counters are indicative; the server may include other devices or requests already submitted. Request/response length and bursts may be limited for safety or capacity.
Declining AI sharing creates no new AI request. Requests delivered and processed before withdrawal may already count and are not automatically refunded by withdrawal.
AI and Guardian output
AI parsing and replies may be incorrect. Verify amounts, currency, income/expense type, categories and dates before saving, and check recommendations before acting. AI replies and Guardian reminders are informational, not investment, tax, legal or other professional advice, and do not guarantee savings or goal achievement.
Availability, providers and changes
Some features depend on third-party cloud processing, subscription verification and store services. See the Privacy Policy for recipients, purposes, retention and deletion. Network issues, maintenance, outages or safety limits can temporarily interrupt cloud features. We will provide status explanations and recovery measures where reasonably feasible. Material entitlement, quota or data-scope changes will be communicated appropriately; permission will be obtained where required rather than inferred from continued use. Quota changes must respect store rules and current-period entitlements.
Responsibility, termination and applicable law
Use the service responsibly and protect local data. To the extent permitted by law, services are provided as available. Necessary access restrictions may be applied for unlawful use or abuse. You may stop using the App at any time; paid subscriptions must be managed separately through Apple. These Terms do not exclude or limit liabilities, protections, remedies or consumer rights that applicable law does not permit us to exclude.
These Terms follow the law of your country/region of residence, subject to mandatory consumer protection rules.
Contact
Terms, subscription and data questions: appmanservice@outlook.com.